A balanced home loan for borrowers who haven't had a credit problem in the last 2 years.
3.49% p.a.
3.77% p.a.
Experienced something in life that may have impacted your credit history? Then the Pepper Easy home loan might be for you
Get a quick estimate of how much you could borrow with Pepper Money.
| Loan purpose | Purchase or refinance of owner occupied or investment properties, also includes unlimited debt consolidation, cash out and payment of tax debts |
| Maximum LVR | Borrow up to 95% of the property’s value for purchases and up to 90% for refinance |
| Maximum amount | $2,500,000 up to 65% LVR |
| Minimum amount | $50,000 |
| Maximum term | 40 years (subject to expected retirement age) |
| Minimum term | 10 years |
| Interest structure | Principal & Interest OR Interest Only (Interest Only available to a maximum of 5 years on Pepper Easy PLUS only). Additional terms and conditions apply to Interest Only loans |
| Repayment frequency | Weekly, fortnightly or monthly (Interest only is monthly) |
| Extra payments | Permitted |
| Offset Sub-account | Yes - 100% interest offset sub-account is available. The terms and conditions applicable to offset sub-accounts are set out in the customer’s loan agreement |
Like to know more: Call us now 13 73 77. Or download a detailed product description >
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Speak to a Home Lending Specialist on 13 73 77. They're here to help.
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Here are some handy tips and guides to help you on your home loan journey.
Important Information
*From 23rd November 2020 – 18th April 2021, Pepper Essential home loan variable interest rates range from 2.35-4.39%p.a. (Comparison rates range from 2.55-4.58%p.a.), Pepper Easy home loan variable interest rates range from 3.49-6.04%p.a. (Comparison rates range from 3.77-6.31%p.a.), and Pepper Advantage home loan variable interest rates range from 4.59-7.04%p.a. (Comparison rates range from 4.89-7.34%p.a.). All Pepper Essential, Easy and Advantage rates are correct as at 31 March 2021 and are subject to change at any time. The actual interest rate applicable will depend on the individual borrower's circumstances. During any interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
** Pepper Money Essential, Easy and Advantage interest rate promotion applies only for new Pepper Essential, Pepper Easy and Pepper Advantage home loan applicants. Offer does not apply to existing borrowers. Applications must be submitted between 12:00am AEDT 23rd November 2020 and until 11:59pm AEST on 18th April 2021. Home loan applications lodged after the promotional period will be offered the current interest rates then applicable. Offer may be continued, withdrawn or changed at any time without notice.
^WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All Comparison Rates are calculated based on a secured loan of $150,000 over a 25 year term.
